CHAMBERSBURG - WAYNESBORO Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Chambersburg - Waynesboro averaged
6.66%
for the week of 2024-04-11, compared to the national average of
6.88% for the same period.
The average rate for the prior week (2024-04-04) was
6.5% and
one month ago for the week of 2024-03-07, the
average rate was 6.76%.
Chambersburg - Waynesboro's average rate one year ago was 6.16%.
For refis of the same type during the week of 2024-04-11, the average rate
was 7.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-04-11 | 6.88% |
| Chambersburg - Waynesboro 30 Year Fixed Rate | 2024-04-11 | 6.66% |
| Chambersburg - Waynesboro 30 Year Fixed Rate Refi | 2024-04-11 | 7.87% |
| Chambersburg - Waynesboro 15 Year Fixed Rate | 2024-04-11 | 6.06% |
| Chambersburg - Waynesboro 15 Year Fixed Rate Refi | 2024-04-11 | 6.46% |
| Chambersburg - Waynesboro 30 Year FHA | 2024-04-11 | 6.3% |
| Chambersburg - Waynesboro 30 Year FHA Refi | 2024-04-11 | 6.74% |
| Chambersburg - Waynesboro 30 Year USDA | 2024-04-11 | 6.1% |
| Chambersburg - Waynesboro 30 Year USDA Refi | 2024-04-11 | 6.61% |
| Chambersburg - Waynesboro 30 Year VA | 2024-04-11 | 6.62% |
| Chambersburg - Waynesboro 30 Year VA Refi | 2024-04-11 | 6.67% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CHAMBERSBURG-WAYNESBORO, PA.
CHAMBERSBURG - WAYNESBORO Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CHAMBERSBURG-WAYNESBORO, PA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
CHAMBERSBURG - WAYNESBORO Average Closing Costs & Other Stats
CHAMBERSBURG-WAYNESBORO, PA's 118 lenders originated 3,099
loans during 2023. The total origination value was $585,675,000, with an average loan value of
$188,988.
CHAMBERSBURG - WAYNESBORO's average closing costs are $5,888.
The top CHAMBERSBURG - WAYNESBORO lender as defined by loan originations is PATRIOT, with
70 loans originated. Their average total fees are
$4,202, which is $95
lower than the next largest lender,
Farmers and Merchants Trust Company of Chambersburg.
The lowest fee CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are
PENNSYLVANIA STATE EMPLOYEES Credit Union ($2,584), Wells Fargo Bank ($3,640), ACNB Bank ($4,189), PATRIOT ($4,202) and Farmers and Merchants Trust Company of Chambersburg ($4,297).
The lowest rate CHAMBERSBURG - WAYNESBORO lenders (with over 10 loans originated) are
PATRIOT (6.05%), ACNB Bank (6.06%), Farmers and Merchants Trust Company of Chambersburg (6.08%), PENNSYLVANIA STATE EMPLOYEES Credit Union (6.14%) and CORNING (6.33%).
CHAMBERSBURG-WAYNESBORO, PA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg | $64,800,000 | $55,730,000 | -14.0% | 9.5% |
| Orrstown Bank | $50,600,000 | $40,420,000 | -20.1% | 6.9% |
| PATRIOT | $43,470,000 | $38,145,000 | -12.2% | 6.5% |
| QUICKEN LOANS, LLC | $47,485,000 | $22,975,000 | -51.6% | 3.9% |
| M&T Bank | $24,600,000 | $22,030,000 | -10.4% | 3.8% |
| Barings Multifamily Capital | $21,635,000 | n/a | 3.7% | |
| JONES LANG LASALLE MULTIFAMILY, LLC | $9,395,000 | $19,045,000 | 102.7% | 3.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $30,260,000 | $18,605,000 | -38.5% | 3.2% |
| Integrity Home Mortgage Corp | $22,895,000 | $18,420,000 | -19.5% | 3.1% |
| GUILD MORTGAGE COMPANY | $23,430,000 | $17,965,000 | -23.3% | 3.1% |
| UNION HOME MORTGAGE CORP. | $21,575,000 | $17,320,000 | -19.7% | 3.0% |
| ACNB Bank | $13,400,000 | $14,600,000 | 9.0% | 2.5% |
| Mortgage Research Center, LLC | $15,225,000 | $12,750,000 | -16.3% | 2.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $13,110,000 | $12,660,000 | -3.4% | 2.2% |
| NVR Mortgage Finance, Inc. | $840,000 | $10,950,000 | 1,203.6% | 1.9% |
| Truist | $12,410,000 | $10,585,000 | -14.7% | 1.8% |
| CORNING | $13,745,000 | $9,025,000 | -34.3% | 1.5% |
| Northpointe Bank | $15,760,000 | $8,130,000 | -48.4% | 1.4% |
| HOMEAMERICAN MORTGAGE CORPORATION | $405,000 | $7,010,000 | 1,630.9% | 1.2% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $8,555,000 | $6,290,000 | -26.5% | 1.1% |
| HOMESPIRE MORTGAGE CORPORATION | $9,220,000 | $6,285,000 | -31.8% | 1.1% |
| CNB Bank Inc. | $10,625,000 | $6,195,000 | -41.7% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $6,760,000 | $6,175,000 | -8.7% | 1.1% |
| Fulton Bank | $7,565,000 | $6,035,000 | -20.2% | 1.0% |
| Community State Bank of Orbisonia | $6,280,000 | $5,205,000 | -17.1% | 0.9% |
| FIRST HOME MORTGAGE CORPORATION | $4,975,000 | $5,090,000 | 2.3% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,240,000 | $5,020,000 | 124.1% | 0.9% |
| George Mason Mortgage, LLC | $10,645,000 | $4,995,000 | -53.1% | 0.9% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | $4,670,000 | $4,945,000 | 5.9% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $9,035,000 | $4,590,000 | -49.2% | 0.8% |
| Homesale Mortgage, LLC | $4,970,000 | $4,450,000 | -10.5% | 0.8% |
| Plains Commerce Bank | $1,780,000 | $4,450,000 | 150.0% | 0.8% |
| United Bank | $1,860,000 | $4,420,000 | 137.6% | 0.8% |
| T2 FINANCIAL LLC | $3,695,000 | $4,275,000 | 15.7% | 0.7% |
| ENVOY MORTGAGE, LTD | $4,610,000 | $4,015,000 | -12.9% | 0.7% |
| Citizens Bank | $5,075,000 | $3,295,000 | -35.1% | 0.6% |
| TIDEWATER MORTGAGE SERVICES, INC. | $5,440,000 | $3,295,000 | -39.4% | 0.6% |
| Wells Fargo Bank | $7,725,000 | $3,230,000 | -58.2% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $8,125,000 | $3,090,000 | -62.0% | 0.5% |
| LOANDEPOT.COM, LLC | $10,240,000 | $2,930,000 | -71.4% | 0.5% |
| Middletown Valley Bank | $8,190,000 | $2,925,000 | -64.3% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $1,175,000 | $2,865,000 | 143.8% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,470,000 | $2,825,000 | -48.4% | 0.5% |
| NEWREZ LLC | $5,505,000 | $2,785,000 | -49.4% | 0.5% |
| 1ST ED CREDIT UNION | $2,310,000 | n/a | 0.4% | |
| Bank of America | $2,230,000 | $2,210,000 | -0.9% | 0.4% |
| PNC Bank | $5,035,000 | $2,160,000 | -57.1% | 0.4% |
| MILLENNIUM FINANCIAL GROUP, INC. | $2,350,000 | $2,155,000 | -8.3% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,170,000 | $2,120,000 | -49.2% | 0.4% |
| DIRECT MORTGAGE LOANS, LLC | $650,000 | $1,910,000 | 193.8% | 0.3% |
| CMG MORTGAGE, INC. | $105,000 | $1,835,000 | 1,647.6% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $735,000 | $1,820,000 | 147.6% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,825,000 | $1,810,000 | -0.8% | 0.3% |
| EMBRACE HOME LOANS, INC. | $2,875,000 | $1,760,000 | -38.8% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $1,570,000 | $1,725,000 | 9.9% | 0.3% |
| NFM, INC. | $5,285,000 | $1,710,000 | -67.6% | 0.3% |
| BROKER SOLUTIONS, INC. | $2,555,000 | $1,635,000 | -36.0% | 0.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $510,000 | $1,455,000 | 185.3% | 0.2% |
| Meridian Bank Corporation | $820,000 | $1,410,000 | 72.0% | 0.2% |
| Atlantic Union Bank | $2,780,000 | $1,390,000 | -50.0% | 0.2% |
| CBM Mortgage, Inc. | $2,555,000 | $1,340,000 | -47.6% | 0.2% |
| USAA Federal Savings Bank | $5,095,000 | $1,275,000 | -75.0% | 0.2% |
| Ally Bank | $500,000 | $1,235,000 | 147.0% | 0.2% |
| The Juniata Valley Bank | $415,000 | $1,220,000 | 194.0% | 0.2% |
| MidAtlantic Farm Credit, ACA | $3,830,000 | $1,195,000 | -68.8% | 0.2% |
| Discover Bank | $1,005,000 | $1,175,000 | 16.9% | 0.2% |
| The Huntington National Bank | $1,110,000 | $1,080,000 | -2.7% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $765,000 | $1,045,000 | 36.6% | 0.2% |
| Flagstar Bank, FSB | $2,910,000 | $1,030,000 | -64.6% | 0.2% |
| NEW DAY FINANCIAL, LLC | $2,290,000 | $990,000 | -56.8% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $1,010,000 | $980,000 | -3.0% | 0.2% |
| NBKC BANK | $575,000 | $935,000 | 62.6% | 0.2% |
| First Federal Bank | $235,000 | $925,000 | 293.6% | 0.2% |
| Foote Capital Mortgage Company | $1,485,000 | $920,000 | -38.0% | 0.2% |
| First Heritage Mortgage, LLC | $895,000 | n/a | 0.2% | |
| U.S. Bank | $2,975,000 | $885,000 | -70.3% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $1,395,000 | $885,000 | -36.6% | 0.2% |
| CLEARPATH LENDING | $380,000 | $870,000 | 128.9% | 0.1% |
| PEOPLESBANK, A CODORUS VALLEY COMPANY | $12,810,000 | $860,000 | -93.3% | 0.1% |
| Towne Bank | $2,640,000 | $840,000 | -68.2% | 0.1% |
| Shore United Bank | $215,000 | $825,000 | 283.7% | 0.1% |
| Neighborhood Loans, Inc. | $820,000 | n/a | 0.1% | |
| Alcova Mortgage LLC | $155,000 | $815,000 | 425.8% | 0.1% |
| JPMorgan Chase Bank | $2,720,000 | $805,000 | -70.4% | 0.1% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $970,000 | $800,000 | -17.5% | 0.1% |
| A&D Mortgage LLC | $405,000 | $790,000 | 95.1% | 0.1% |
| Coastal Community Bank | $790,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $1,670,000 | $765,000 | -54.2% | 0.1% |
| Presidential Bank, FSB | $1,460,000 | $750,000 | -48.6% | 0.1% |
| HomePromise Corporation | $1,070,000 | $745,000 | -30.4% | 0.1% |
| Network Funding, L.P. | $1,740,000 | $735,000 | -57.8% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $1,285,000 | $705,000 | -45.1% | 0.1% |
| York Traditions Bank | $1,385,000 | $705,000 | -49.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $750,000 | $695,000 | -7.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $555,000 | $680,000 | 22.5% | 0.1% |
| Bank of Bird-in-Hand | $665,000 | n/a | 0.1% | |
| ACADEMY MORTGAGE CORPORATION | $940,000 | $660,000 | -29.8% | 0.1% |
| PLANET HOME LENDING, LLC | $2,120,000 | $660,000 | -68.9% | 0.1% |
| First United Corporation | $2,650,000 | $655,000 | -75.3% | 0.1% |
| BAY CAPITAL MORTGAGE CORPORATION | $3,475,000 | $650,000 | -81.3% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $180,000 | $640,000 | 255.6% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $410,000 | $640,000 | 56.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,515,000 | $635,000 | -58.1% | 0.1% |
| BELCO COMMUNITY CREDIT UNION | $920,000 | $610,000 | -33.7% | 0.1% |
| NYMEO FEDERAL CREDIT UNION | $385,000 | $610,000 | 58.4% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $95,000 | $600,000 | 531.6% | 0.1% |
| TOWER | $830,000 | $600,000 | -27.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $595,000 | n/a | 0.1% | |
| Univest Bank and Trust Co. | $1,240,000 | $590,000 | -52.4% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $520,000 | $580,000 | 11.5% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $560,000 | n/a | 0.1% | |
| EMM LOANS LLC | $480,000 | $555,000 | 15.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $580,000 | $540,000 | -6.9% | 0.1% |
| RADIUS FINANCIAL GROUP INC. | $540,000 | n/a | 0.1% | |
| First National Bank of Pennsylvania | $800,000 | $535,000 | -33.1% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $530,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $435,000 | $515,000 | 18.4% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $475,000 | n/a | 0.1% | |
| City National Bank of West Virginia | $205,000 | $470,000 | 129.3% | 0.1% |
| ZILLOW HOME LOANS, LLC | $820,000 | $470,000 | -42.7% | 0.1% |
| RF Renovo Management Company, LLC | $465,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $455,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $195,000 | $450,000 | 130.8% | 0.1% |
| S&T Bank | $85,000 | $450,000 | 429.4% | 0.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $430,000 | n/a | 0.1% | |
| MILEND, INC. | $530,000 | $420,000 | -20.8% | 0.1% |
| MORTGAGE ACCESS CORP. | $415,000 | n/a | 0.1% | |
| Northwest Bank | $965,000 | $410,000 | -57.5% | 0.1% |
| GUARANTEED RATE, INC. | $795,000 | $395,000 | -50.3% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $390,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $1,995,000 | $380,000 | -81.0% | 0.1% |
| Old National Bank | $380,000 | n/a | 0.1% | |
| POLARIS HOME FUNDING CORP. | $185,000 | $380,000 | 105.4% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $1,115,000 | $370,000 | -66.8% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $440,000 | $360,000 | -18.2% | 0.1% |
| LOANLEADERS OF AMERICA, INC. | $355,000 | n/a | 0.1% | |
| ALLIED MORTGAGE GROUP, INC. | $345,000 | $340,000 | -1.4% | 0.1% |
| Atlantic Coast Mortgage, LLC | $155,000 | $340,000 | 119.4% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,010,000 | $335,000 | -66.8% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $2,910,000 | $315,000 | -89.2% | 0.1% |
| Sandy Spring Bank | $955,000 | $315,000 | -67.0% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $260,000 | $310,000 | 19.2% | 0.1% |
| Equity Prime Mortgage LLC | $495,000 | $305,000 | -38.4% | 0.1% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | $305,000 | n/a | 0.1% | |
| The Federal Savings Bank | $520,000 | $305,000 | -41.3% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $740,000 | $300,000 | -59.5% | 0.1% |
| THRIVE MORTGAGE, LLC | $300,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $295,000 | n/a | 0.1% | |
| CALIBER HOME LOANS, INC. | $2,615,000 | $285,000 | -89.1% | 0.0% |
| Fifth Third Bank | $1,390,000 | $285,000 | -79.5% | 0.0% |
| Mid-Continent Funding, Inc. | $285,000 | n/a | 0.0% | |
| LAFAYETTE FEDERAL CREDIT UNION | $275,000 | n/a | 0.0% | |
| Magnolia Bank | $500,000 | $275,000 | -45.0% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $275,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $255,000 | $275,000 | 7.8% | 0.0% |
| Vellum Mortgage, Inc. | $275,000 | n/a | 0.0% | |
| ARC HOME LLC | $265,000 | n/a | 0.0% | |
| Kish Bank | $285,000 | $265,000 | -7.0% | 0.0% |
| OCMBC, INC. | $285,000 | $260,000 | -8.8% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $215,000 | $255,000 | 18.6% | 0.0% |
| SWBC MORTGAGE CORPORATION | $325,000 | $255,000 | -21.5% | 0.0% |
| AMERICAN FINANCING CORPORATION | $1,610,000 | $245,000 | -84.8% | 0.0% |
| Figure Lending LLC | $245,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $6,910,000 | $240,000 | -96.5% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $835,000 | $235,000 | -71.9% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $235,000 | n/a | 0.0% | |
| The Dime Bank | $235,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $225,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,150,000 | $225,000 | -80.4% | 0.0% |
| SOMERSET TRUST COMPANY | $115,000 | $225,000 | 95.7% | 0.0% |
| Stifel Bank and Trust | $225,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,550,000 | $215,000 | -86.1% | 0.0% |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | $1,470,000 | $215,000 | -85.4% | 0.0% |
| Bank of England | $330,000 | $205,000 | -37.9% | 0.0% |
| State Financial Network, LLC | $205,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $965,000 | $195,000 | -79.8% | 0.0% |
| The Bank of Landisburg | $420,000 | $180,000 | -57.1% | 0.0% |
| Signature Federal Credit Union | $175,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $175,000 | n/a | 0.0% | |
| WesBanco | $1,485,000 | $175,000 | -88.2% | 0.0% |
| THE MORTGAGE LINK, INC. | $815,000 | $165,000 | -79.8% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $165,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $155,000 | n/a | 0.0% | |
| Baxter Credit Union | $540,000 | $145,000 | -73.1% | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | $570,000 | $145,000 | -74.6% | 0.0% |
| MICHIGAN MUTUAL, INC. | $155,000 | $145,000 | -6.5% | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | $330,000 | $145,000 | -56.1% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $240,000 | $135,000 | -43.8% | 0.0% |
| Mid Penn Bank | $405,000 | $135,000 | -66.7% | 0.0% |
| Service Federal Credit Union | $135,000 | n/a | 0.0% | |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $125,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $605,000 | $110,000 | -81.8% | 0.0% |
| EVANSVILLE TEACHERS | $85,000 | n/a | 0.0% | |
| Pennian Bank | $4,160,000 | $85,000 | -98.0% | 0.0% |
| Ballston Spa National Bank | $75,000 | n/a | 0.0% | |
| First Commonwealth Federal Credit Union | $75,000 | n/a | 0.0% | |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | $75,000 | n/a | 0.0% | |
| NEXTMARK | $75,000 | n/a | 0.0% | |
| Centier Bank | $65,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $65,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $45,000 | $65,000 | 44.4% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $90,000 | $55,000 | -38.9% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $165,000 | $55,000 | -66.7% | 0.0% |
| Members Choice Financial Credit Union | $45,000 | n/a | 0.0% | |
| RIVERFRONT | $155,000 | $35,000 | -77.4% | 0.0% |
| SkyPoint Federal Credit Union | $25,000 | $25,000 | 0.0% | 0.0% |
CHAMBERSBURG - WAYNESBORO's top lender by overall market share is Farmers and Merchants Trust Company of Chambersburg, with 9.5% market share. In second place, with 6.9%, is Orrstown Bank, having originated $40,420,000 in loans. In third place, with 6.5%, is PATRIOT, having originated $38,145,000 in loans. In fourth place, with 3.9%, is QUICKEN LOANS, LLC, having originated $22,975,000 in loans. In fifth place, with 3.8%, is M&T Bank, having originated $22,030,000 in loans.
CHAMBERSBURG - WAYNESBORO Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - CHAMBERSBURG - WAYNESBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $202,490 (3.5%) | $225,896 (4.0%) | 0.75 | 601 |
| 2018-02-01 | $199,945 (0.0%) | $225,073 (0.6%) | 0.73 | 580 |
| 2018-03-01 | $204,900 (2.5%) | $230,153 (1.2%) | 0.72 | 604 |
| 2018-04-01 | $199,900 (0.0%) | $229,332 (0.7%) | 0.68 | 663 |
| 2018-05-01 | $204,700 (0.2%) | $236,755 (1.7%) | 0.68 | 678 |
| 2018-06-01 | $206,990 (0.6%) | $239,430 (1.9%) | 0.69 | 690 |
| 2018-07-01 | $202,450 (-2.4%) | $241,770 (3.0%) | 0.68 | 678 |
| 2018-08-01 | $208,723 (-0.4%) | $244,751 (2.6%) | 0.70 | 684 |
| 2018-09-01 | $213,445 (3.7%) | $245,385 (4.4%) | 0.72 | 655 |
| 2018-10-01 | $209,923 (1.1%) | $240,188 (1.3%) | 0.71 | 653 |
| 2018-11-01 | $204,950 (2.5%) | $238,730 (4.0%) | 0.69 | 628 |
| 2018-12-01 | $202,990 (-0.9%) | $243,382 (6.4%) | 0.70 | 587 |
| 2019-01-01 | $200,748 (-0.9%) | $240,506 (6.5%) | 0.69 | 565 |
| 2019-02-01 | $214,900 (7.5%) | $240,921 (7.0%) | 0.73 | 552 |
| 2019-03-01 | $214,243 (4.6%) | $239,964 (4.3%) | 0.70 | 550 |
| 2019-04-01 | $219,950 (10.0%) | $240,321 (4.8%) | 0.70 | 533 |
| 2019-05-01 | $224,900 (9.9%) | $242,427 (2.4%) | 0.70 | 546 |
| 2019-06-01 | $219,900 (6.2%) | $240,919 (0.6%) | 0.69 | 551 |
| 2019-07-01 | $219,900 (8.6%) | $240,359 (-0.6%) | 0.69 | 533 |
| 2019-08-01 | $219,452 (5.1%) | $239,133 (-2.3%) | 0.69 | 523 |
| 2019-09-01 | $218,630 (2.4%) | $238,055 (-3.0%) | 0.70 | 512 |
| 2019-10-01 | $218,081 (3.9%) | $237,337 (-1.2%) | 0.70 | 509 |
| 2019-11-01 | $217,000 (5.9%) | $237,647 (-0.5%) | 0.71 | 491 |
| 2019-12-01 | $219,400 (8.1%) | $241,698 (-0.7%) | 0.73 | 440 |
| 2020-01-01 | $222,675 (10.9%) | $244,711 (1.8%) | 0.74 | 405 |
| 2020-02-01 | $225,495 (4.9%) | $249,651 (3.6%) | 0.74 | 394 |
| 2020-03-01 | $226,400 (5.7%) | $253,037 (5.5%) | 0.71 | 379 |
| 2020-04-01 | $229,925 (4.5%) | $263,245 (9.5%) | 0.72 | 343 |
| 2020-05-01 | $229,900 (2.2%) | $262,968 (8.5%) | 0.70 | 355 |
| 2020-06-01 | $230,173 (4.7%) | $264,338 (9.7%) | 0.68 | 328 |
| 2020-07-01 | $239,225 (8.8%) | $276,628 (15.1%) | 0.69 | 284 |
| 2020-08-01 | $239,900 (9.3%) | $283,238 (18.4%) | 0.69 | 234 |
| 2020-09-01 | $234,975 (7.5%) | $283,788 (19.2%) | 0.67 | 205 |
| 2020-10-01 | $224,900 (3.1%) | $281,537 (18.6%) | 0.64 | 213 |
| 2020-11-01 | $229,900 (5.9%) | $274,128 (15.4%) | 0.67 | 199 |
| 2020-12-01 | $228,200 (4.0%) | $280,435 (16.0%) | 0.68 | 158 |
| 2021-01-01 | $245,000 (10.0%) | $286,641 (17.1%) | 0.73 | 138 |
| 2021-02-01 | $244,900 (8.6%) | $284,241 (13.9%) | 0.71 | 131 |
| 2021-03-01 | $243,725 (7.7%) | $288,703 (14.1%) | 0.69 | 125 |
| 2021-04-01 | $241,850 (5.2%) | $285,987 (8.6%) | 0.65 | 148 |
| 2021-05-01 | $249,550 (8.6%) | $296,171 (12.6%) | 0.66 | 146 |
| 2021-06-01 | $243,550 (5.8%) | $293,014 (10.9%) | 0.64 | 183 |
| 2021-07-01 | $247,000 (3.3%) | $294,414 (6.4%) | 0.65 | 226 |
| 2021-08-01 | $232,450 (-3.1%) | $290,887 (2.7%) | 0.62 | 222 |
| 2021-09-01 | $234,950 (0.0%) | $281,414 (-0.8%) | 0.63 | 230 |
| 2021-10-01 | $239,950 (6.7%) | $283,784 (0.8%) | 0.64 | 216 |
| 2021-11-01 | $241,250 (4.9%) | $284,316 (3.7%) | 0.64 | 193 |
| 2021-12-01 | $258,745 (13.4%) | $290,171 (3.5%) | 0.70 | 178 |
| 2022-01-01 | $270,895 (10.6%) | $300,962 (5.0%) | 0.73 | 168 |
| 2022-02-01 | $269,900 (10.2%) | $302,054 (6.3%) | 0.70 | 155 |
| 2022-03-01 | $287,375 (17.9%) | $313,578 (8.6%) | 0.72 | 143 |
| 2022-04-01 | $314,999 (30.3%) | $339,107 (18.6%) | 0.75 | 154 |
| 2022-05-01 | $317,350 (27.2%) | $337,946 (14.1%) | 0.73 | 175 |
| 2022-06-01 | $325,000 (33.4%) | $344,538 (17.6%) | 0.72 | 187 |
| 2022-07-01 | $329,950 (33.6%) | $344,415 (17.0%) | 0.74 | 199 |
| 2022-08-01 | $303,125 (30.4%) | $335,588 (15.4%) | 0.70 | 224 |
| 2022-09-01 | $299,450 (27.5%) | $332,600 (18.2%) | 0.70 | 233 |
| 2022-10-01 | $289,900 (20.8%) | $352,303 (24.1%) | 0.68 | 239 |
| 2022-11-01 | $293,695 (21.7%) | $353,058 (24.2%) | 0.71 | 258 |
| 2022-12-01 | $289,900 (12.0%) | $352,258 (21.4%) | 0.72 | 228 |
| 2023-01-01 | $298,250 (10.1%) | $376,553 (25.1%) | 0.74 | 197 |
| 2023-02-01 | $310,245 (15.0%) | $392,537 (30.0%) | 0.75 | 169 |
| 2023-03-01 | $311,495 (8.4%) | $400,828 (27.8%) | 0.73 | 153 |
| 2023-04-01 | $324,900 (3.1%) | $408,313 (20.4%) | 0.76 | 174 |
| 2023-05-01 | $302,675 (-4.6%) | $395,969 (17.2%) | 0.69 | 176 |
| 2023-06-01 | $312,923 (-3.7%) | $395,667 (14.8%) | 0.70 | 187 |
| 2023-07-01 | $310,990 (-5.8%) | $392,409 (13.9%) | 0.71 | 196 |
| 2023-08-01 | $325,750 (7.5%) | $395,769 (17.9%) | 0.75 | 193 |
| 2023-09-01 | $325,000 (8.5%) | $394,280 (18.6%) | 0.76 | 207 |
| 2023-10-01 | $335,108 (15.6%) | $373,087 (5.9%) | 0.79 | 219 |
| 2023-11-01 | $317,675 (8.2%) | $351,675 (-0.4%) | 0.76 | 229 |
| 2023-12-01 | $300,000 (3.5%) | $348,178 (-1.2%) | 0.73 | 200 |
| 2024-01-01 | $312,500 (4.8%) | $352,978 (-6.3%) | 0.76 | 193 |
| 2024-02-01 | $318,950 (2.8%) | $358,262 (-8.7%) | 0.77 | 180 |
| 2024-03-01 | $315,000 (1.1%) | $353,718 (-11.8%) | 0.74 | 179 |
CHAMBERSBURG - WAYNESBORO's median listing price for 2024-03-01 was $315,000, a difference of
$3,505
(1.1%) versus the prior year and
$-3,950 versus the prior month.
CHAMBERSBURG - WAYNESBORO's median listing price comes in at 74% of the national average.
CHAMBERSBURG - WAYNESBORO's average listing price for 2024-03-01 was $353,718, a difference of $-47,110 (-11.8%) versus the prior year and $-4,544 versus the prior month.
For the 2024-03-01 period, CHAMBERSBURG - WAYNESBORO had 179 MLS listings, a difference of -1 listings (-1%) versus the prior month and 26 listings (17%) versus the prior year.
CHAMBERSBURG - WAYNESBORO's median listing price comes in at 74% of the national average.
CHAMBERSBURG - WAYNESBORO's average listing price for 2024-03-01 was $353,718, a difference of $-47,110 (-11.8%) versus the prior year and $-4,544 versus the prior month.
For the 2024-03-01 period, CHAMBERSBURG - WAYNESBORO had 179 MLS listings, a difference of -1 listings (-1%) versus the prior month and 26 listings (17%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - CHAMBERSBURG - WAYNESBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 90 days | 1,902 sqft |
| 2018-02-01 | 97 days | 1,875 sqft |
| 2018-03-01 | 67 days | 1,854 sqft |
| 2018-04-01 | 52 days | 1,800 sqft |
| 2018-05-01 | 59 days | 1,862 sqft |
| 2018-06-01 | 64 days | 1,958 sqft |
| 2018-07-01 | 71 days | 1,991 sqft |
| 2018-08-01 | 72 days | 2,005 sqft |
| 2018-09-01 | 73 days | 2,067 sqft |
| 2018-10-01 | 68 days | 2,000 sqft |
| 2018-11-01 | 71 days | 1,956 sqft |
| 2018-12-01 | 81 days | 1,928 sqft |
| 2019-01-01 | 89 days | 1,918 sqft |
| 2019-02-01 | 91 days | 1,916 sqft |
| 2019-03-01 | 74 days | 1,920 sqft |
| 2019-04-01 | 55 days | 1,931 sqft |
| 2019-05-01 | 56 days | 2,000 sqft |
| 2019-06-01 | 59 days | 2,000 sqft |
| 2019-07-01 | 65 days | 1,988 sqft |
| 2019-08-01 | 66 days | 1,990 sqft |
| 2019-09-01 | 66 days | 1,988 sqft |
| 2019-10-01 | 65 days | 1,986 sqft |
| 2019-11-01 | 68 days | 2,000 sqft |
| 2019-12-01 | 78 days | 2,037 sqft |
| 2020-01-01 | 83 days | 2,043 sqft |
| 2020-02-01 | 77 days | 2,076 sqft |
| 2020-03-01 | 56 days | 2,027 sqft |
| 2020-04-01 | 69 days | 2,067 sqft |
| 2020-05-01 | 80 days | 2,046 sqft |
| 2020-06-01 | 64 days | 1,976 sqft |
| 2020-07-01 | 40 days | 1,978 sqft |
| 2020-08-01 | 38 days | 2,000 sqft |
| 2020-09-01 | 36 days | 1,980 sqft |
| 2020-10-01 | 48 days | 1,971 sqft |
| 2020-11-01 | 50 days | 1,931 sqft |
| 2020-12-01 | 56 days | 1,865 sqft |
| 2021-01-01 | 59 days | 1,906 sqft |
| 2021-02-01 | 51 days | 1,919 sqft |
| 2021-03-01 | 44 days | 1,972 sqft |
| 2021-04-01 | 30 days | 1,919 sqft |
| 2021-05-01 | 33 days | 1,950 sqft |
| 2021-06-01 | 38 days | 1,855 sqft |
| 2021-07-01 | 38 days | 1,871 sqft |
| 2021-08-01 | 41 days | 1,842 sqft |
| 2021-09-01 | 41 days | 1,761 sqft |
| 2021-10-01 | 44 days | 1,750 sqft |
| 2021-11-01 | 45 days | 1,744 sqft |
| 2021-12-01 | 52 days | 1,759 sqft |
| 2022-01-01 | 65 days | 1,772 sqft |
| 2022-02-01 | 65 days | 1,729 sqft |
| 2022-03-01 | 51 days | 1,771 sqft |
| 2022-04-01 | 37 days | 1,840 sqft |
| 2022-05-01 | 39 days | 1,954 sqft |
| 2022-06-01 | 42 days | 1,914 sqft |
| 2022-07-01 | 45 days | 1,954 sqft |
| 2022-08-01 | 44 days | 1,927 sqft |
| 2022-09-01 | 48 days | 1,969 sqft |
| 2022-10-01 | 46 days | 1,914 sqft |
| 2022-11-01 | 47 days | 1,863 sqft |
| 2022-12-01 | 54 days | 1,822 sqft |
| 2023-01-01 | 73 days | 1,892 sqft |
| 2023-02-01 | 70 days | 1,887 sqft |
| 2023-03-01 | 44 days | 1,903 sqft |
| 2023-04-01 | 31 days | 1,950 sqft |
| 2023-05-01 | 33 days | 1,930 sqft |
| 2023-06-01 | 40 days | 1,924 sqft |
| 2023-07-01 | 35 days | 1,972 sqft |
| 2023-08-01 | 33 days | 1,945 sqft |
| 2023-09-01 | 37 days | 1,943 sqft |
| 2023-10-01 | 43 days | 1,922 sqft |
| 2023-11-01 | 48 days | 1,903 sqft |
| 2023-12-01 | 56 days | 1,900 sqft |
| 2024-01-01 | 54 days | 1,902 sqft |
| 2024-02-01 | 42 days | 1,900 sqft |
| 2024-03-01 | 33 days | 1,900 sqft |
CHAMBERSBURG - WAYNESBORO's median listing age (time on market) for 2024-03-01 was 33 days.
This
is -27%
shorter
than the same period one year ago.
CHAMBERSBURG - WAYNESBORO's median square footage for active listings during the 2024-03-01 period was 1,900 sqft. One year prior, the average listing was 1,903 sqft.
CHAMBERSBURG - WAYNESBORO's median square footage for active listings during the 2024-03-01 period was 1,900 sqft. One year prior, the average listing was 1,903 sqft.
CHAMBERSBURG-WAYNESBORO, PA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 17021 | Chambersburg-Waynesboro, PA MSA | $660 | $760 | $970 | $1,230 | $1,320 |
| 17201 | Chambersburg-Waynesboro, PA MSA | $820 | $830 | $1,060 | $1,430 | $1,560 |
| 17202 | Chambersburg-Waynesboro, PA MSA | $890 | $900 | $1,150 | $1,560 | $1,690 |
| 17210 | Chambersburg-Waynesboro, PA MSA | $670 | $700 | $890 | $1,180 | $1,270 |
| 17214 | Chambersburg-Waynesboro, PA MSA | $640 | $650 | $850 | $1,150 | $1,210 |
| 17217 | Chambersburg-Waynesboro, PA MSA | $800 | $800 | $1,030 | $1,390 | $1,510 |
| 17219 | Chambersburg-Waynesboro, PA MSA | $650 | $740 | $930 | $1,200 | $1,250 |
| 17220 | Chambersburg-Waynesboro, PA MSA | $800 | $800 | $1,030 | $1,390 | $1,510 |
| 17221 | Chambersburg-Waynesboro, PA MSA | $640 | $650 | $850 | $1,150 | $1,210 |
| 17222 | Chambersburg-Waynesboro, PA MSA | $830 | $840 | $1,070 | $1,450 | $1,580 |
| 17224 | Chambersburg-Waynesboro, PA MSA | $640 | $650 | $850 | $1,150 | $1,210 |
| 17225 | Chambersburg-Waynesboro, PA MSA | $890 | $900 | $1,150 | $1,560 | $1,690 |
| 17232 | Chambersburg-Waynesboro, PA MSA | $800 | $800 | $1,030 | $1,390 | $1,510 |
| 17233 | Chambersburg-Waynesboro, PA MSA | $800 | $800 | $1,030 | $1,390 | $1,510 |
| 17235 | Chambersburg-Waynesboro, PA MSA | $1,050 | $1,050 | $1,350 | $1,830 | $1,980 |
| 17236 | Chambersburg-Waynesboro, PA MSA | $780 | $790 | $1,010 | $1,370 | $1,480 |
| 17237 | Chambersburg-Waynesboro, PA MSA | $890 | $900 | $1,150 | $1,560 | $1,690 |
| 17240 | Chambersburg-Waynesboro, PA MSA | $850 | $940 | $1,190 | $1,540 | $1,630 |
| 17244 | Chambersburg-Waynesboro, PA MSA | $920 | $930 | $1,190 | $1,610 | $1,750 |
| 17246 | Chambersburg-Waynesboro, PA MSA | $890 | $900 | $1,150 | $1,560 | $1,690 |
| 17247 | Chambersburg-Waynesboro, PA MSA | $820 | $820 | $1,050 | $1,420 | $1,540 |
| 17250 | Chambersburg-Waynesboro, PA MSA | $820 | $820 | $1,050 | $1,420 | $1,540 |
| 17251 | Chambersburg-Waynesboro, PA MSA | $840 | $860 | $1,090 | $1,470 | $1,590 |
| 17252 | Chambersburg-Waynesboro, PA MSA | $640 | $650 | $850 | $1,150 | $1,210 |
| 17254 | Chambersburg-Waynesboro, PA MSA | $890 | $900 | $1,150 | $1,560 | $1,690 |
| 17256 | Chambersburg-Waynesboro, PA MSA | $890 | $900 | $1,150 | $1,560 | $1,690 |
| 17257 | Chambersburg-Waynesboro, PA MSA | $800 | $880 | $1,110 | $1,450 | $1,540 |
| 17261 | Chambersburg-Waynesboro, PA MSA | $800 | $800 | $1,030 | $1,390 | $1,510 |
| 17262 | Chambersburg-Waynesboro, PA MSA | $640 | $650 | $850 | $1,150 | $1,210 |
| 17263 | Chambersburg-Waynesboro, PA MSA | $840 | $840 | $1,080 | $1,470 | $1,590 |
| 17265 | Chambersburg-Waynesboro, PA MSA | $830 | $840 | $1,070 | $1,450 | $1,570 |
| 17268 | Chambersburg-Waynesboro, PA MSA | $820 | $820 | $1,050 | $1,420 | $1,540 |
| 17270 | Chambersburg-Waynesboro, PA MSA | $890 | $900 | $1,150 | $1,560 | $1,690 |
| 17271 | Chambersburg-Waynesboro, PA MSA | $660 | $660 | $850 | $1,150 | $1,250 |
| 17272 | Chambersburg-Waynesboro, PA MSA | $820 | $820 | $1,050 | $1,420 | $1,540 |
2022 Average & Median Rent Data Statistics
CHAMBERSBURG-WAYNESBORO, PA average 1BR rent: $814, median: $820
CHAMBERSBURG-WAYNESBORO, PA average 2BR rent: $1,043, median: $1,050
CHAMBERSBURG-WAYNESBORO, PA average 3BR rent: $1,404, median: $1,420
CHAMBERSBURG-WAYNESBORO, PA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,543 | $373,775,000 | $242,239 |
| Home Improvement | 453 | $30,485,000 | $67,296 |
| Refi | 437 | $82,035,000 | $187,723 |
| Other | 426 | $33,390,000 | $78,380 |
| Cash Out Refi | 240 | $65,990,000 | $274,958 |
Chambersburg - Waynesboro's most frequently cited loan purpose was Home Purchase, with 1,543 originations. The 2nd most popular reason was Home Improvement, with 453 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,123 | $230,745,000 | $205,472 |
| 5-6% | 689 | $165,645,000 | $240,414 |
| 7-8% | 548 | $105,080,000 | $191,752 |
| Over 8% | 396 | $40,160,000 | $101,414 |
| 4-5% | 224 | $31,700,000 | $141,518 |
| <2.5% | 49 | $2,525,000 | $51,531 |
| 3-4% | 21 | $3,555,000 | $169,286 |
During 2023, Chambersburg - Waynesboro's most frequently originated rate bucket was 6-7%, with 1,123 originations.
Loan Sizing (CHAMBERSBURG-WAYNESBORO, PA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,055 | $283,515,000 | $268,735 |
| $100,000 or less | 960 | $47,380,000 | $49,354 |
| $100k-200k | 943 | $140,675,000 | $149,178 |
| $400k-600k | 118 | $54,440,000 | $461,356 |
| $600k-1000k | 18 | $12,510,000 | $695,000 |
| $Over $1MM | 5 | $47,155,000 | $9,431,000 |
CHAMBERSBURG - WAYNESBORO's loan sizing saw the bucket of loans from $200k-400k with 1,055 originations, totaling $283,515,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,165 | $295,625,000 | $253,755 |
| 20-40% | 537 | $49,735,000 | $92,616 |
| Under 20% | 532 | $19,350,000 | $36,372 |
| 60-80% | 517 | $161,945,000 | $313,240 |
| 40-60% | 257 | $40,655,000 | $158,191 |
| Over 100% | 34 | $10,040,000 | $295,294 |
CHAMBERSBURG - WAYNESBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,165 originations, totaling $295,625,000 in origination value.